WO1999048035A1 - Systeme et procede de remise - Google Patents

Systeme et procede de remise Download PDF

Info

Publication number
WO1999048035A1
WO1999048035A1 PCT/JP1999/001264 JP9901264W WO9948035A1 WO 1999048035 A1 WO1999048035 A1 WO 1999048035A1 JP 9901264 W JP9901264 W JP 9901264W WO 9948035 A1 WO9948035 A1 WO 9948035A1
Authority
WO
WIPO (PCT)
Prior art keywords
remittance
information
account
temporary
financial institution
Prior art date
Application number
PCT/JP1999/001264
Other languages
English (en)
Japanese (ja)
Inventor
Nobuyuki Mori
Takaaki Hirota
Original Assignee
Fujitsu Limited
The Sakura Bank, Limited
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Fujitsu Limited, The Sakura Bank, Limited filed Critical Fujitsu Limited
Priority to EP99907941A priority Critical patent/EP1085449A4/fr
Publication of WO1999048035A1 publication Critical patent/WO1999048035A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means

Definitions

  • a remittance account is created temporarily at the time of remittance, and According to the remittance system that confirms the identity based on the set information of the remittance destination and withdraws the remitted money, the remittance can be easily performed even to the party who does not have an account. In addition, the remittance destination can easily receive the remittance simply by presenting the personal information.
  • the processing means 3 reads the personal information from the storage means 2, compares the personal information with the personal information specified by the remittance destination, and performs a withdrawal process of paying the remittance amount to the remittance destination based on the comparison result. Do.
  • the remittee sends the withdrawal information using a terminal such as an ATM or a personal computer, and the receiving means 5 sends the withdrawal information directly from the terminal or indirectly through another financial processing device.
  • the processing means 3 reads out the personal information of the temporary remittance account information and compares it with the personal information included in the withdrawal information. As a result, if both match, the sender of the withdrawal information is regarded as the correct remittance destination, and the sender is paid.
  • FIG. 8 is a diagram showing an initial screen.
  • FIG. 17 is a flowchart (part 1) of the first process of the terminal.
  • the remitter when a remitter remits to a person without an account, the remitter collects general information of the remittant, personal information that cannot be known unless the recipient is himself, and secret information unilaterally determined by the remitter. specify.
  • the financial institution's remittance system automatically creates a temporary remittance account based on the details of the remittance, and then clears the temporary remittance account after the recipient withdraws the remittance in the correct procedure. By introducing such a temporary remittance account, remittances can be easily made to those who do not have an account.
  • the related record 23 contains the remittance amount, remittee information such as the name of the recipient b, the purpose of the remittance, the expiration date, the date and time of the remittance, the identity of the recipient b, and confidential information.
  • the remittance amount, remittance destination information, and remittance purpose are the remittance information.
  • link information such as a pointer designating the address of the related record 23 is added to the account record 22. If the remittance of related record 23 is not withdrawn after the expiration date, it will be refunded to the account record 22 of the sender, and the related record 23 will be deleted.
  • the processing result is notified from the terminal transmitting / receiving unit 16 to the remitter a (procedure P14), and the remittance is completed.
  • the remitter a communicates the details of the remittance to the beneficiary b by telephone or the like, and transmits the secret information necessary for withdrawal (step P15).
  • the recipient b requests the financial processor 13 from the ATM 12 to pay the remittance from the remitter a (step P16).
  • the terminal transmitter / receiver 16 receives the remittance amount, the confidential information, and the identity information of the recipient b input from the ATM 12.
  • the check & withdrawal processing section 20 reads the related record 23 from the customer management database 14 (procedure P17), compares the information with the information entered by the recipient b, and compares the information. Identify recipient b.
  • step S 2 when the sender selects the remittance without account (step S 2), a cash card insertion screen is displayed (step S 3), and the sender When the user inserts the cache card (step S4), a password (or password) input screen is displayed (step S5).
  • a message as shown in FIG. 10 is exchanged between the terminal and the financial processing device.
  • an instruction to select accountless remittance is sent from the terminal to the financial processing apparatus, an instruction to display a password input screen is returned.
  • an instruction to display a remittance content input screen is returned.
  • the financial processing unit updates the record of the remittance source account, creates a record of the temporary remittance account, and returns the processing result.
  • step S75 the sender sends a cash card
  • step S76 the terminal reads the cash card account information
  • step S77 the terminal transmits the account information and the password to the financial processing device
  • step S78 the terminal waits for a reply (step S7).
  • step S8 the notified processing result
  • step S82 the name of the remitter included in the reply is displayed.
  • Step S83 the sender determines whether to approve it. If the sender does not approve the displayed sender's name and enters the sender's name (step S84), the process from step S82 is repeated.
  • an information processing device (computer) as shown in FIG. 24 is used.
  • the information processing device shown in FIG. 24 includes a CPU 31, a memory 32, an input device 33, an output device 34, an external storage device 35, a medium drive device 36, and a network connection device 37. And they are connected to each other by a bus 38.
  • the payee does not have an account at the financial institution, but the same service can be used even if the payee has an account.
  • the accountless remittance of the present invention when the recipient does not have a cash card at a travel destination or the like. It is also possible to transfer money not only domestically but also overseas.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Lorsqu'un remettant paie une personne qui n'a pas de compte bancaire ou autre, le remettant spécifie des informations générales relatives à la personne, des informations relatives à la personne que seule cette dernière comprend, et des informations secrètes que la personne elle-même a déterminées. Un système de remise d'une institution financière génère automatiquement un compte de remise temporaire basé sur le montant de la remise, et met un terme au compte de remise temporaire lorsque la personne retire l'argent au moyen des procédures ad hoc.
PCT/JP1999/001264 1998-03-16 1999-03-16 Systeme et procede de remise WO1999048035A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP99907941A EP1085449A4 (fr) 1998-03-16 1999-03-16 Systeme et procede de remise

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP6567798A JP4067630B2 (ja) 1998-03-16 1998-03-16 金融処理装置および方法
JP10/65677 1998-03-16

Publications (1)

Publication Number Publication Date
WO1999048035A1 true WO1999048035A1 (fr) 1999-09-23

Family

ID=13293884

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/JP1999/001264 WO1999048035A1 (fr) 1998-03-16 1999-03-16 Systeme et procede de remise

Country Status (3)

Country Link
EP (1) EP1085449A4 (fr)
JP (1) JP4067630B2 (fr)
WO (1) WO1999048035A1 (fr)

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* Cited by examiner, † Cited by third party
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WO2002052474A1 (fr) * 2000-12-26 2002-07-04 Jcb Co., Ltd. Systeme et procede de remise a l'etranger

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JP2002092265A (ja) 2000-09-19 2002-03-29 Nec Corp 緊急情報送信方法、緊急情報送信システム、記録媒体、情報処理装置、及び移動端末
JP2002109232A (ja) * 2000-09-27 2002-04-12 System Revolution Joho Center:Kk 支払専用口座による安全な決済方法
JP2002157534A (ja) * 2000-11-17 2002-05-31 System Revolution Joho Center:Kk クレジットカードによる安全な決済方法
JP4880872B2 (ja) * 2001-08-10 2012-02-22 ソフトバンクＢｂ株式会社 振込処理システム、振込処理装置、振込処理方法、端末および記録媒体
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JP2006039857A (ja) * 2004-07-26 2006-02-09 Toshiba Corp 為替業務運用方法および運用システム
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Publication number Priority date Publication date Assignee Title
WO2002052474A1 (fr) * 2000-12-26 2002-07-04 Jcb Co., Ltd. Systeme et procede de remise a l'etranger

Also Published As

Publication number Publication date
EP1085449A1 (fr) 2001-03-21
JP4067630B2 (ja) 2008-03-26
JPH11265413A (ja) 1999-09-28
EP1085449A4 (fr) 2005-09-28

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